Call reports 2004
COMMUNITY BANK & TRUST — 2004
What COMMUNITY BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 105,809,000 | 111,852,000 | 114,331,000 | 120,838,000 |
| Total loans | 70,837,000 | 78,459,000 | 84,954,000 | 86,498,000 |
| Allowance for loan losses | 943,000 | 1,031,000 | 1,110,000 | 1,145,000 |
| Securities available for sale | 28,857,000 | 26,145,000 | 22,793,000 | 23,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,964,000 | 97,073,000 | 97,954,000 | 105,634,000 |
| Interest-bearing deposits | 78,443,000 | 84,529,000 | 84,999,000 | 90,489,000 |
| Noninterest-bearing deposits | 12,521,000 | 12,544,000 | 12,955,000 | 15,145,000 |
| Equity capital | 8,675,000 | 8,470,000 | 8,897,000 | 9,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,369,000 | 2,890,000 | 4,479,000 | 6,195,000 |
| Interest expense | 454,000 | 923,000 | 1,418,000 | 1,949,000 |
| Net interest income | 915,000 | 1,967,000 | 3,061,000 | 4,246,000 |
| Noninterest income | 224,000 | 502,000 | 755,000 | 1,002,000 |
| Noninterest expense | 735,000 | 1,533,000 | 2,368,000 | 3,217,000 |
| Provision for loan losses | 113,000 | 255,000 | 373,000 | 434,000 |
| Pretax income | 310,000 | 691,000 | 1,072,000 | 1,594,000 |
| Income tax | 115,000 | 239,000 | 363,000 | 576,000 |
| Net income | 195,000 | 452,000 | 709,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,617,000 | 8,874,000 | 8,980,000 | 9,289,000 |
| Total capital | 9,559,000 | 9,905,000 | 10,073,000 | 10,419,000 |
| Risk-weighted assets | 75,370,000 | 83,805,000 | 87,416,000 | 90,357,000 |